Column

Housing market

Table specification

Month Date Amortization Interest (%) Loan to pay Loan paid Loan paid (%) Interest Amortization (%) Pay per month
41 Feb 2022 2’583 1.38 1’446’680 103’320 6.7 1’663.68 2.14256 4’246.68
40 Jan 2022 2’583 1.38 1’449’263 100’737 6.5 1’666.65 2.13874 4’249.65
39 Dec 2021 2’583 1.38 1’451’846 98’154 6.3 1’669.62 2.13494 4’252.62
38 Nov 2021 2’583 1.38 1’454’429 95’571 6.2 1’672.59 2.13115 4’255.59
37 Okt 2021 2’583 1.38 1’457’012 92’988 6.0 1’675.56 2.12737 4’258.56
36 Sep 2021 2’583 1.38 1’459’595 90’405 5.8 1’678.53 2.12360 4’261.53
35 Aug 2021 2’583 1.38 1’462’178 87’822 5.7 1’681.50 2.11985 4’264.50
34 Jul 2021 2’583 1.38 1’464’761 85’239 5.5 1’684.48 2.11611 4’267.48
33 Jun 2021 2’583 1.38 1’467’344 82’656 5.3 1’687.45 2.11239 4’270.45
32 Maj 2021 2’583 1.38 1’469’927 80’073 5.2 1’690.42 2.10868 4’273.42
31 Apr 2021 2’583 1.38 1’472’510 77’490 5.0 1’693.39 2.10498 4’276.39
30 Mar 2021 2’583 1.38 1’475’093 74’907 4.8 1’696.36 2.10129 4’279.36
29 Feb 2021 2’583 1.38 1’477’676 72’324 4.7 1’699.33 2.09762 4’282.33
28 Jan 2021 2’583 1.38 1’480’259 69’741 4.5 1’702.30 2.09396 4’285.30
27 Dec 2020 2’583 1.38 1’482’842 67’158 4.3 1’705.27 2.09031 4’288.27
26 Nov 2020 2’583 1.38 1’485’425 64’575 4.2 1’708.24 2.08668 4’291.24
25 Okt 2020 2’583 1.38 1’488’008 61’992 4.0 1’711.21 2.08305 4’294.21
24 Sep 2020 2’583 1.38 1’490’591 59’409 3.8 1’714.18 2.07944 4’297.18
23 Aug 2020 2’583 1.38 1’493’174 56’826 3.7 1’717.15 2.07585 4’300.15
22 Jul 2020 2’583 1.38 1’495’757 54’243 3.5 1’720.12 2.07226 4’303.12
21 Jun 2020 2’583 1.38 1’498’340 51’660 3.3 1’723.09 2.06869 4’306.09
20 Maj 2020 2’583 1.38 1’500’923 49’077 3.2 1’726.06 2.06513 4’309.06
19 Apr 2020 2’583 1.38 1’503’506 46’494 3.0 1’729.03 2.06158 4’312.03
18 Mar 2020 2’583 1.38 1’506’089 43’911 2.8 1’732.00 2.05805 4’315.00
17 Feb 2020 2’583 1.38 1’508’672 41’328 2.7 1’734.97 2.05452 4’317.97
16 Jan 2020 2’583 1.38 1’511’255 38’745 2.5 1’737.94 2.05101 4’320.94
15 Dec 2019 2’583 1.38 1’513’838 36’162 2.3 1’740.91 2.04751 4’323.91
14 Nov 2019 2’583 1.38 1’516’421 33’579 2.2 1’743.88 2.04402 4’326.88
13 Okt 2019 2’583 1.38 1’519’004 30’996 2.0 1’746.85 2.04055 4’329.85
12 Sep 2019 2’583 1.38 1’521’587 28’413 1.8 1’749.83 2.03708 4’332.83
11 Aug 2019 2’583 1.38 1’524’170 25’830 1.7 1’752.80 2.03363 4’335.80
10 Jul 2019 2’583 1.38 1’526’753 23’247 1.5 1’755.77 2.03019 4’338.77
9 Jun 2019 2’583 1.38 1’529’336 20’664 1.3 1’758.74 2.02676 4’341.74
8 Maj 2019 2’583 1.38 1’531’919 18’081 1.2 1’761.71 2.02334 4’344.71
7 Apr 2019 2’583 1.38 1’534’502 15’498 1.0 1’764.68 2.01994 4’347.68
6 Mar 2019 2’583 1.38 1’537’085 12’915 0.8 1’767.65 2.01654 4’350.65
5 Feb 2019 2’583 1.38 1’539’668 10’332 0.7 1’770.62 2.01316 4’353.62
4 Jan 2019 2’583 1.38 1’542’251 7’749 0.5 1’773.59 2.00979 4’356.59
3 Dec 2018 2’583 1.38 1’544’834 5’166 0.3 1’776.56 2.00643 4’359.56
2 Nov 2018 2’583 1.38 1’547’417 2’583 0.2 1’779.53 2.00308 4’362.53
1 Okt 2018 2’583 1.38 1’550’000 0 0.0 1’782.50 1.99974 4’365.50

Column

Loan payed

Summary costs and possible gains (assuming 30% tax on the gain)

Month Percentile Estimated value Down payment Loan Loan left Loan paid Gain
41 Ref 2’000’000 450’000 1’550’000 1’446’680 103’320 553’320
41 10% 2’094’634 450’000 1’550’000 1’446’680 103’320 619’564
41 15% 2’134’994 450’000 1’550’000 1’446’680 103’320 647’816
41 20% 2’179’987 450’000 1’550’000 1’446’680 103’320 679’311
41 25% 2’207’136 450’000 1’550’000 1’446’680 103’320 698’315
41 30% 2’220’010 450’000 1’550’000 1’446’680 103’320 707’327
41 35% 2’231’803 450’000 1’550’000 1’446’680 103’320 715’582
41 40% 2’241’437 450’000 1’550’000 1’446’680 103’320 722’326
41 45% 2’251’001 450’000 1’550’000 1’446’680 103’320 729’021
41 50% 2’260’008 450’000 1’550’000 1’446’680 103’320 735’326
41 55% 2’269’015 450’000 1’550’000 1’446’680 103’320 741’631
41 60% 2’272’013 450’000 1’550’000 1’446’680 103’320 743’729
41 65% 2’274’259 450’000 1’550’000 1’446’680 103’320 745’301
41 70% 2’282’510 450’000 1’550’000 1’446’680 103’320 751’077
41 75% 2’293’764 450’000 1’550’000 1’446’680 103’320 758’955
41 80% 2’310’010 450’000 1’550’000 1’446’680 103’320 770’327
41 85% 2’332’495 450’000 1’550’000 1’446’680 103’320 786’067
41 90% 2’350’987 450’000 1’550’000 1’446’680 103’320 799’011

Structure of the amount per month paid